Tips and discussions about saving money and discounts, generating extra income, financial planning, working from home, and more.

Ivy posted in Money Thursday

Arrears child support

Please no rude comments, only constructive responses. Long story— So my mom kicked out my dad and threw out all his stuff with him when I was in high school. My mom basically had her lawyer tell us (6kids) that we couldn’t live with my dad because the law said we had to stay with my mom. That didn’t make sense to us because we knew friends who lived with their dad but we didn’t know enough. An... More

  • Kate

    Hello, my heart goes out to your family and the ordeal you’ve all been through. I’m certainly no expert on these kinds of matters, so be sure to thoroughly research these ideas to determine your next steps. That said, you may have a couple options: - Declare bankruptcy. Note: This has a significant negative and long-term impact to your credit score. And child support debt may not be forgive... More

Anonymous posted in Marriage & Partnership Apr 15

Shared or separate bank accounts?

My husband and I currently have a shared account, but I’m curious to what works better in your relationship/marriage? How do you separate everything?

  • Stacy

    Thanks, Casondra! I have never heard of that and could NOT figure out what kind of baby gear was a bj.

  • Ling

    We have both as well. We collectively put in a certain amount every month to cover shared expenses like mortgage, utilities, groceries, cell phones, insurance, baby stuff, but we divvy up the amount each person contributes as a percentage of total take home salary. For example, if the total amount to cover all of our bills come out to $5000 and Partner A makes $75,000/yr and Partner B makes $1... More

Anonymous posted in Breastfeeding Apr 04

BM versus whole milk past 1 year

Baby is nearing 1 year old that’s when I plan to wean, and I still have a huge stash of frozen BM. Originally I thought to donate it once she turns 1 year but then I realized, some moms nurse until 2 years or so. So they didn’t switch to whole milk at 1 year, so why would I donate my milk? Right? i can save money by using up my frozen stash after I wean then eventually moving to whole milk.... More

Anonymous posted in Child Care Mar 08

In-home daycare payment?

We are putting our three month old in an in-home daycare facility, which is very close to our home (and she’ll be the only child at the moment!) The caretaker has asked for cash weekly. Does anyone have experience with in-home daycare payments? Should we be asking for receipts so that we can use our FSA dollars? Because she is running her own business, we don’t have to be concerned about how sh... More

  • B
    Mar 08

    Also know you’ll need her business tax ID number for taxes and FSA. So...hopefully she’s reporting the income

  • Anonymous
    Mar 09

    Thank you both! This is helpful. She’s given us her tax id and is more than happy to write us receipts when I asked! Really appreciate the help!

Anonymous posted in Money Mar 05

Insurance help

I dont know anywhere else to ask. Google is not helping and my pediatrics says theyre limited or whatever. We got new health insurance through my job. Before that we had medicare for my son and I. We go in for his appt, they say our medicare doesnt end until end of Feb so I should still use that one instead of my new one. We got mail yesterday from my new insurance explaining our benefits a... More

  • B
    Mar 05

    Health insurance usually goes through the end of a month. But yes you should call your local office. And then use the new insurance in March

Anonymous posted in Money Mar 02

Pressure to leave daycare job

I left a previous job to work at my sons daycare due to work pressure. And now I feel like it’s happening all over again but for more financial reasons. I enjoyed working almost 2yrs but there is no benefits, shift/time changes, or raises. I really like the owner but no body can just call out of work due to sickness because of child/teacher ratios. Even my husband is telling me to leave, simply... More

  • Sabrina
    Mar 04

    I’ve said “bye” to lots of daycare workers and even though I’m sad to see them leave, they always come and visit looking healthier and happier. You could try taking some really great probiotics since our immune system comes from our gut health but you need to put your health first. If something were to happen to Mommy then what? Leave the workplace. You’ll never get this time back with your... More

  • Anonymous
    Mar 05

    Sabrina, can I ask what you’re job is? You said you work from home? Yes I sent my resume to the recruiter. I’m just playing the waiting game

Anonymous posted in Marriage & Partnership Feb 15

Feeling Bad about Giving Gifts

I don’t know what to do anymore about my fiancé and giving gifts. We’re currently expecting our second any day now and we have an 11m old as well. I haven’t worked in over a year, so I try not to spend a lot of money on unnecessary items/gifts. Like I don’t even buy lunch food for me I just eat leftovers and cereal 🤦🏽‍♀️ but anyways, I made him a very special gift for Valentine’s Day and he has... More

  • Elle
    Feb 16

    Goigle "love languages quiz" Both of you take it Discuss results w one another

  • Rachael
    Feb 18

    This is abusive. Lavishing you in gifts you don’t want but then controlling all of the money and treating you shitty when you pour your heart into making heartfelt gifts out of the few crumbs he’s left you is not loving, it’s a form of control and objectification. That said, please don’t beat yourself up if you stay given the position you’re in. Whatever you do going forward you & your babi... More

A posted in Money Feb 14

Savings account options

What are some other savings options we could set up for our kids, other than a regular savings account? I know there are options for saving towards an education, but the kids are getting money as gifts, so I’d like it to be theirs to do with as they please when they’re older. It would be nice to have it grow more than .01% over the next 10-15 years.

  • Jenn
    Feb 21

    I swear by Ally. They're an online only bank so are able to offer higher rates due to minimal overhead costs. Their savings accounts are great but if you're saving for future use, a CD is a better choice. Their interest rates are between 1.80% and 3.10% depending on time and amount. They have a comparison tool for all their CDs, which allows you to compare rates on that type of CD at va... More

  • Tina
    Feb 27

    I second Ally. The best!!

Life insurance on your LO?

Exactly like adult insurance; something happens to your LO then the insurance company pays out. Should you have it, is it weird to have it or should you not have it? Basically one parent thinks it’s a good idea and the other is totally against it.

  • Caitlin
    Feb 14

    Erica, I’m so sorry to hear that. Thanks for sharing your experience.

  • Caitlin
    Feb 17

    We have Gerber for our kid... and we don’t have it in case they pass away (God forbid). We have it so they will be able to take it over when they’re old enough. Your kids will be able to muddle through college (loans, y’all) if you end up not being able to put away money for that, but life insurance policies are expensive and being pushed to the side as kids grow up now. We don’t want our kid t... More

Anonymous posted in Marriage & Partnership Jan 31

SAHM’s and Money

How do other SAHM’s have their money set up? We currently have all joint accounts, but it’s just not working. My husband is the only one that makes money and he is very critical where his money goes. For example: When I get groceries or household items he will see the transaction on the bank account, then ask me, “What did you buy at Walmart? What did you buy at Target? What did you buy at Dol... More

  • PK
    Jan 31

    My husband and I each have our own personal checking account and then we have a joint savings. My husband’s pay check goes directly into his personal checking and he keeps the amount that he needs to pay certain bills and transfers the remaining to savings. He pays for utilities, cell phone, and mortgage out of his checking account. I pay for everything else - expenses on food, supplies or se... More

  • Lily
    Jan 31

    I found an awesome plan from someone on YouTube that has a great system for this! Because it is hard not making any of your own money. Look up Fun Cheap or free on YouTube!! But what she does is she and her husband agree on how much needs to spent on food and other things each week and she has that much to do whatever with. No questions asked after they agree on the amount.

Cheryl posted in Holidays Jan 01

Christmas gift with strings attached

My husbands grandfather gives his grandchildren $100 every year for Christmas. Since marrying his grandson, I have been included in that. This year, he asked everyone to tell him what we spend it on. I asked my husband why and the reason he gave me was “He likes feeling useful.” I’m a little grumpy about this ‘gift’. It feels like he gave money to all his grandkids so that HE could feel good. ... More

  • Robin
    Jan 12

    We send MIL a note thanking her for the “pedi-mani” or facial or something that would be indulgent for you and satisfy their wishes. I think he’s probably just wants a way to remain a part of everyone’s life- and keeps him in touch with you all.

  • Theresa
    Apr 04

    I have to wonder how this is different from a thank you note. I was always taught that when given a gift one mentions how it is appreciated/used/valued as part of the thank you note. I see nothing intrusive in his wanting to know especially since his queries could be avoided with a proper thank you note.

Anonymous posted in Holidays Dec 18, 2018

How much do you spend on gifts for kids this Christmas?

Just looking on what’s the average costs per kid depending on the age & whether it’s your own, a godchild, a relative, a friend’s, etc. Please share your thoughts. I found the link below as I google it.

  • Anonymous
    Dec 21, 2018

    Thanks everyone for your comments! Just celebrating my 1st family christmas reunion w/ the in laws & their kids & also our almost 1 yr old baby’s 1st christmas so it’s a big pressure on my side but I know my husband & I have to stay true to what we can afford & at the end of the day, it’s more about celebrating it w/ your family, friends & loved ones. Happy Holidays!

  • Anonymous
    Dec 24, 2018

    I don't have any family or friends to spend holidays with so it's just my toddler and I. We didn't get to have a Christmas the last 2 years so I have some things that I bought but was not able to give him, so between that and a few newer things I'd say @$300. He's all I have and Christmas was always really special for me growing up, so I was hoping to make it that special fo... More

Anonymous posted in Behavior Dec 17, 2018

How do I get my kids to respect their belongings?

I have 3 boys (8,7,2). My husband and I have been struggling mainly with the older 2 when it comes to their belongings. We bought my 7 year old a new pair of shoes a couple days ago and they're already destroyed. I understand that they're kids and that they are boys and they play outside and things will get dirty. But we are not well off financially and struggled just to buy them each ... More

  • Christa
    Dec 17, 2018

    I absolutely agree with fellow posters! Respect and responsibility. If their shoes, gloves, toys ETC are broken or lost or destroyed, than well it’s their own doing. I would let them know, that’s the only thing they are able to have or shoes or whatever the item is, and they can’t have a new set for a while. We tell our son if he can’t treat his things nicely, than we will give it to someone e... More

  • Anonymous
    Dec 20, 2018

    My boys especially my oldest is destructive and while I used to replace things I’ve now stopped doing that. My oldest is on his 5th ps4 remote, he’s broken 2 TVs, tore his shirts, ruined his shoes. Now unless it’s a need, or it broke just from being used so much and not being destroyed I don’t replace them.

Anonymous posted in Child Care Dec 12, 2018

Do you give your nanny a raise each year?

We plan to give our nanny a holiday bonus, but is it also common to give a raise each year?

  • Lyndsay
    Dec 16, 2018

    Kristin- 1-2 weeks of pay, usually

  • Lyndsay
    Dec 16, 2018

    Amy- you deserve a raise! I highly recommend you have a meeting with your employers :)

Holiday bonus/tip for daycare provider

What’s the standard for gifting the woman who watches my son one day a week? She operates a daycare. There is also another woman who co-runs it. I was thinking $25 to each plus a gift card for another $25 each... I’m new at this so any insight is appreciated.

  • JeimyW
    Dec 15, 2018

    25 Gift card of her favorite store

  • Anonymous
    Dec 16, 2018

    I’m a preschool teacher and I can assure you that I don’t keep handprints and hand drawn pictures given to me by other people’s kids. If you can’t afford anything, write a card, otherwise gift cards to a store that you know a teacher frequents, is very welcome. Amazon or target, you can’t go wrong with.

At home jobs!

I’m a stay at home mom and I miss working so I was wondering if anyone knew of any stay at home jobs hiring?! Please and thank you in advance

  • Shelby
    Nov 30, 2018

    You could be a homebased travel agent and make 80% of your sales

Anonymous posted in Money Nov 28, 2018

Stay at home jobs for introverts.

Hi All! Can anyone reccomend some stay at home jobs that doesn't involve sales or customer service? Thanks in advance.

  • Leah
    Nov 28, 2018

    Medical Coding. You need to go to school for it though.

  • Veronica
    Nov 29, 2018

    Fill out survey. Not sure about how effective or pay it is.

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